Report - Financial Education Games - Expansion 2019 1
Final Report - Expansion 2019 Financial Education Games
www.letslearnwithgames.com
Report - Financial Education Games - Expansion 2019 2
Instituto Brasil Solidário
Final Report - Expansion 2019 Financial Education Games
Companies that participate annually in the various projects of Instituto Brasil Solidário.
The institute also has important partnerships with and receives donations from individuals.
Report - Financial Education Games - Expansion 2019 3
1. INTRODUCTION1.1 Instituto Brasil Solidário (IBS)1.2 Financial Education Alliance1.3 Project
2. EXPANSION2.1 Second printing of the games2.2 ‘Let’s Learn With Games’ website2.3 Tutorials and support materials2.4 Beyond School Walls2.5 Training with the games2.6 Expansion map2.7 Launch of the expansion: Sobral2.8 Other states and municipalities
3. INTERNATIONAL EXPANSION3.1 Visiting schools in Chile
4. FEATURED INITIATIVES4.1 Young mediators
5. RESEARCH5.1 Students5.2 Teachers and school managers
6. FINAL CONSIDERATIONS
7. TEAM
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TABLE OF CONTENTS
Report - Financial Education Games - Expansion 2019 4
The Financial Education Games initiative was conceived in
partnership with United Way Brazil, with the support of
professionals in the education field and experts in game
techniques, aiming to raise children’s awareness of financial
education as an important instrument of citizenship for
society.
Instituto Brasil Solidário (IBS) was responsible for the
production of the games, coordination and implementation
design of a pilot project in three municipalities in the State of
Ceará in 2017.
In the final report of the Pilot Project, the external evaluation
concluded that 77% of the schools that received the games
had improved indicators of Financial Education knowledge,
in addition to a substantial increase in skills involving the
calculation of risks and opportunities.
In possession of these results, the second stage of the
project began: the games expansion plan. Starting with
20,000 students in the Pilot Project, the established
goal was to reach 160,000 students from different
municipalities throughout the Brazilian territory.
This report presents precisely this new stage,
expanding its scope in the State of Ceará and going
to other states, such as Bahia, Maranhão, Paraíba,
Pernambuco, Sergipe, Pará and São Paulo - and even
crossing the country’s borders, reaching Santiago, in
Chile.
The stages involved in the expansion process, the
challenges faced, the new lessons learned and the
main results achieved by the games in public schools
located in municipalities under adverse conditions.
The purpose of this document is to report the
concerned process and the efficiency in the liaison
with public management bodies in order to allow the
games to be further implemented in accordance with
the acquired knowledge, providing feedback for the
learning curve, in order to disseminate such initiative
and ensure that the project proves to be sustainable.
1. INTRODUCTION
Picnic works on the concept of SAVING.
Good Deals, on the other hand, works
on the concept of INVESTING.
Report - Financial Education Games - Expansion 2019 5
1.1 INSTITUTO BRASIL SOLIDáRIO (IBS)
Instituto Brasil Solidário (IBS) is an OSCIP (Civil Society Organi-
zation of Public Interest) with expertise in social actions
funded by the private sector. It works with sustainable
development projects through education and social mobili-
zation in public schools and communities with a low Human
Development Index (HDI), stimulating their autonomy.
All activities are brought to the school and community
space, inspiring educators and students in classroom and
encouraging various pedagogical practices, until such
practices are incorporated into local public policies. With
proven short, medium and long-term results, including
significant increases in the Basic Education Development
Index (IDEB) above the national average, the actions
and method seek to guide and favor the formation of a
new Brazilian citizen through commitment, innovation
and mainly a change of attitude with self-esteem and
creativity.
In order to implement the pilot project of the Financial
Education games, IBS used its mobilization and training
methodology developed through the Education Develo-
pment Program (Programa de Desenvolvimento da
Educação - PDE), which has been applying, for 20 years, an
intersectoral approach between private companies, local
governments and civil society.
177 cities affected;in 21 states;of the 5 regions of the country.
272 libraries built;involving 1,033 schools.
48,255 students benefited;and 18,122 teachers trained on a yearly basis.
33 cities affectedin 9 states of
3 regions of the country
860 schools
170,653 students benefited and 9,238 teachers involved
The programs allow the community to act autonomously and multiply the actions experienced in eight main areas, namely: reading incentives, health and prevention, entrepreneurship,
environmental education, art and culture, edu-communication, citizenship and financial education.
Report - Financial Education Games - Expansion 2019 6
1.2 FINANCIAL EDUCATION ALLIANCE
The initiative, which addresses a national and global
problem, aims to offer access to financial education,
causing children, educators, families and public managers
to have a critical attitude towards the material challenges
of life. Such conduct is essential to the development of
citizens, society and, therefore, the country.
By exploring a contemporary topic of paramount
importance, with great potential for transformation, the
Financial Education Alliance works in an intersectoral
way, uniting companies, government and society, favoring
citizenship in the short, medium and long term.
Funded by public-private partners that believe in the
same cause, and are focused on national development,
the financial education project through the games Picnic
and Good Deals relies on the expertise of Instituto Brasil
Solidário, a Brazilian non-governmental organization
responsible for managing the resources that compose the
Financial Education Alliance.
The institute and its partners seek to promote a
qualified expansion, generating a wave of positive
impact involving Financial Education throughout Brazil
and Latin America.
Come join us in this initiative!
Report - Financial Education Games - Expansion 2019 7
1.3 PROjECT
Launched in June 2017 with a board game – Picnic – and a
card game – Good Deals –the Financial Education Project
brought an unprecedented learning proposal, making it
possible, with playful and creative activities, to exercise
saving, entrepreneurship, and investment skills. The project is
based on offering two games for elementary school classes,
in early and late years, which were especially developed by a
team composed of experts in games and financial education.
The municipalities of Beberibe, Pindoretama and
Cascavel, in the State of Ceará (CE), participated in the
pilot project. About 2,000 games were used in more
than 90 municipal public schools, reaching approxi-
mately 20,000 students. With the help of the games, it
was possible to enhance learning of important concepts
related to Financial Education, such as planning,
evaluating, deciding, saving, choosing, identifying and
dealing with risks and opportunities.
The proposal with the games involves the distribution of
all materials in public schools, where educators receive
training and pedagogical support, in addition to didactic
sequences to use the material in a dynamic and interactive
way inside and outside the classroom.
In 2019, the action expanded nationally and internationally,
reaching more than 5,000 students in Santiago, Chile and
here in Brazil, exceeding the performance expectation, and it
managed to replicate the proposal in more than 30 Brazilian
municipalities, reaching more than 170,000 students in the
first and final years. By revisiting regions already served
by the actions of Instituto Brasil Solidário, it was possible to
strengthen partnerships with educators and institutions
that became multipliers of the proposal that uses the games,
promoting the training in an effective way, continuing all
follow-up processes in schools. For 2020, the initiative will
reach new international borders, with plans to expand
work in schools located in Brazil and other Latin American
countries, with an initial planning in the regions of Peru,
Colombia and Mexico.
The National Strategy for Financial Education - ENEF was established as a Governmental policy which seeks to contribute to the strengthening of citizenship by providing and supporting actions that help the population to make more autonomous and conscious financial decisions. It was created through the liaison among nine government
bodies and entities and four civil society organizations, which together compose the National Committee for Financial Education – CONEF.
The project received the ENEFSeal– a recognition by CONEF to
entities that strengthen theobjectives of the National Strategy
for Financial Education. A little more than 200 national initiatives
received the seal in 2019.
The project’s initiative is in line withthe BNCC, enabling the study of
Financial Education as a crosscutting theme.
The National Common Curricular Base (BNCC) is a normative document that
defines the organic and progressive set of essential learning abilities that all students
must develop throughout the stages and modalities of Basic Education.
In addition to financialeducation, the initiative was
also planned to improveperformance in PortugueseLanguage, Mathematics and
Natural Sciences. Due to its cross-cutting development, the games also bring dynamics, debates and concepts of environmental education, nutrition, citizenship, urban
mobility, tax education, kindness and volunteering, among other possible connections aligned with the
Sustainable Development Goals (SDGs).
Achievements and recognition in Brazil
Report - Financial Education Games - Expansion 2019 8
With the purpose of increasing the regional outreach of the games, the expansion plan was designed so as to maintain the
same quality in the development and monitoring of activities, reaching a larger number of municipalities and seeking to
consolidate the games as a recurring pedagogical practice within schools.
New supporting tools were created, such as the games’ website and blog, which have become valuable for teachers, coordi-
nators and students.
2. EXPANSION
2.1 IMPROVEMENT OF THE GAMES
Based on lessons learned since the initial stage, the games were updated in order to improve the pedagogical process and
its possible developments.
The pad with the individual shopping lists was excluded, in order to encourage the players to write. Instead of such pad, a
single table was created for reference purposes, organized in alphabetical order. The original list, with products separated
by value, could induce the player to create a shopping list based only on values, limiting a more critical analysis on each
choice.
Some earnings and expenses cards and decision-making cards were also updated and included, which contributed to
dynamize and further develop the concepts within the game.
Improvements made to game Picnic
New table
New decision-making card
Updated cards
Original list
HELP A CAUSE
DONATE A$ 1AND PICK ANOTHERRED CARD.
sTAy wHERE yOu ARE.
ENJOY!
Buy sODA FOR HALF PRICE AND MOVE FORwARD 2 sPACEs
Buy ORANgE juICE FOR HALF PRICE AND MOVE BACK 2 sPACEs
CHOOsE A PLAyER AND gO TO THE sAME sPACE As
HIM/HER. yOu CAN MOVE FORwARD OR BACKwARD.
YOU WENT FOR A PICNIC WITH A FRIEND!
COCONuT wATER BANANA sANDwICH
COOKIECARROT
CAKE
sugARCANE juICE CHOCOLATE yOguRT APPLE
CHEEsE BREAD PAsTRy POPCORNPEAR
sANDwICH TAPIOCAORANgE juICEsODA
Shopping LiSt
Banana
Apple
Pear
Popcorn
Yogurt
Coconut Water
Orange Juice
Sugarcane Juice
Carrot Cake
Tapioca
Cheese Bread
Sandwich
Sandwich Cookie
Chocolate
Pastry
Soda
Report - Financial Education Games - Expansion 2019 9
The creation of the ‘Let’s Learn With Games’ website
provided access to essential information about games
Picnic and Good Deals in a quick and simple manner.
Providing the history since the Pilot Project, going through
the conceptual part about financial education, the website
presents a specific section for each one
of the games, with rules,
frequently asked questions and pedago-
gical tips, as well as possible alignments
with the National Common Curricular
Base (BNCC).
Taking advantage of the interactivity
of social networks, tutorials and short
videos about financial education and the
concept of the games were produced,
thus seeking greater identification with
the young audience.
Six mini-documentaries were produced
on the success stories of the games.
The series called Beyond School Walls
shows various situations that clarify how
players learn with the games. The media
area, on the other hand, shows the main
articles on financial education within
the context of the games in the main
communication vehicles, both in print
and television media.
Finally, there is the blog, where the main
news on the municipalities that are playing and learning
are published (only in portuguese).
www.letslearnwithgames.com
www.blog.vamosjogareaprender.com.br
2.2 ‘LET’S LEARN WITH GAMES’ WEBSITE
Examples of challenge cards
A third stage was introduced in the game, through challenge cards, working on tax and ethical concepts in a hypothetical
business context. This stage, which was originally optional, produced great results and was then incorporated into the
games’ rules. The table of notes was adjusted, making calculations easier.
Improvements Made to Game Good Deals
Your company was inspected!
All employees have valid employment
contracts.
Your score remains the same
Renewable energy
You installed solar panels and reduced the electricity bill.
Add A$10 to your score
Waste of water
there is a leak in your store and your water bill increased.
Deduct A$10 from your score
Your company received an award!
Your company was awarded for good social
and environmental practices.
Add A$20to your score
Report - Financial Education Games - Expansion 2019 10
2.3 TUTORIALS AND SUPPORT MATERIALS
Tutorials and support materials, which are essential resources for the good pedagogical use of the games, are an important
channel of communication with schools.
Within the website, each game has a specific tutorial, explaining the basic rules and a video with pedagogical tips. Support
materials in PDF format are also available for download, containing all the presentations used by IBS in its training: lectures,
graphs, didactic sequences and everything that can be replicated in each school.
This material contains
in-depth thoughts
on concepts explored
in the games, such
as spending control,
long-term planning and
consumer decisions.
vamosjogareaprender.com.br/en_US/tutorialsAll materials used in the Financial Education training are available for download.
Report - Financial Education Games - Expansion 2019 11
2.4 BEYOND SCHOOL WALLS
“Beyond School Walls” is a series of six mini documentaries showing cases in which the games were essential for learning,
not only for students, but also for the teachers. The different contexts shown in the videos clarify how the players learn
with the games and serve as a guidance for those who are taking their first steps in financial education. Check out episode
3 on the next page.
Know Emily, who, through a playful and interactive activity using the financial
education games at school, has managed to bring to her family a new look on
how to save and invest.
“Through the games we started to understand our expenses, what we were buying, our profits”.
Emily, 7th grade - LUPAM School - Cascavel, CE
Get to know the story of educator Ana Cristina and her daughter Nara, 11,
who after playing with the financial education games managed to change the
consumption and saving habits of the entire family.
“I’m 39 years old and I’d never seen an electric bill set to zero. This was an achievement due to the
awareness that we started to have in our family, bringing that financial awareness into our home”.
Ana Cristina - Teacher at School Desembargador Pedro de Queiroz, in Beberibe, CE
In Cascavel, State of Ceará, a group of students gathered with the proposal
of bringing the financial education games to their families, friends and even
merchants in the region, who approved the initiative and even encouraged
the class to continue to promote interaction between the school and the
community.
Student Cauê saw in the game Good Deals a world of possibilities that could
be put into practice and help him with his first job and an extra income for
his family! The opportunity came from inside the school, where Cauê started
helping in the vegetable garden and has already secured his first savings!
Suelen learned how to save money with the games, already thinking about
her future!
Know teacher Naírton Vieira, who saw in the Project with the games Picnic and
Good Deals, the opportunity to turn his subject into a fun learning opportunity,
motivated by his own students, for practical saving and investing activities!
Due to the mobilization seen in classroom, the teacher created a graph with the
class grades and saw the students exceed their performance every two months
in subjects which involved calculations!
Episode 1
Episode 2
Episode 4
Episode 5
Episode 6
Report - Financial Education Games - Expansion 2019 12
From the 6 success stories that clearly show how effective
the games are, this one stands out.
Maria Vitória Nascimento Martins was another average
student at Elementary School Choró Vaquejador, located in
the rural area of Cascavel, State of Ceará. Vitória, as she is
called, showed no particular interest in anything specific
and her grades did not impress the teachers.
When she started playing Picnic during the Pilot Project,
at the age of 9, she realized the importance of financial
education. By thinking about strategies to win the game,
she exercised her decision-making skills and internalized
the knowledge of saving and planning, which reflected
not only in her grades at school, but also in her family’s
financial organization.
The chicken farming activity conducted in her family’s
backyard has a new financial “manager”, who records the
number of eggs sold to the community. The story of Vitória
is so inspiring that it caught the attention of the producers
of the show “Como será?” from Globo Network, which
highlighted her entrepreneurial talent in a sketch called
“Aluno Nota 11”.
Get to know in more detail the story of Vitória, a student from the rural area of Cascavel (CE)
Episode 3
Report - Financial Education Games - Expansion 2019 13
For the expansion stage, a training methodology was
developed with a full day of theoretical and practical
activities. The day starts with corporate videos about
the project, followed by a lecture to raise awareness
of financial education, in which a debate on consumer
practices is proposed – mental triggers that make us buy
without thinking properly and notions of investment.
This initial moment is the starting point for teachers,
coordinators and school managers to understand the
importance of financial education and how it can fit into
the curriculum.
After the practical activities with both games, a debate is
held on the multiple pedagogical opportunities, alignments
with the BNCC and any questions that may arise.
2.5 TRAINING WITH GAMES
After training, the school managers are ready not only to
use the games in classroom, but also to replicate the same
training among their fellow teachers. Therefore, a much
more comprehensive and effective result was achieved in
schools.
Managers also have access to the “Let’s Learn With Games”
website, a valuable tool not only because it contains
rules, frequently asked questions and tutorials, but also
all training content, as well as alignments with BNCC, all
available for download in PDF format.
Room set up for theoretical activities
Practical demonstration of the game
Teachers and managers trained and ready for multiplication
Report - Financial Education Games - Expansion 2019 14
2.6 EXPANSION MAP
PARá Primavera, Quatipuru andTracuateua 10,674 students
MARANHÃOBalsas, Carolinaand Barreirinhas 31,031 students
PIAUÍ São Raimundo 3,952 students
CEARá: Crateús, Aquiraz,Tianguá, Ubajara, Eusébio, Cascavel, Beberibe, Sobral,Jijoca de Jericoacoara,Pindoretama, Tamboriland Juazeiro do Norte 99,995 students
PARAÍBA: Cabaceiras and Esperança1,263 students
PERNAMBUCO: Petrolina803 students
SERGIPE: Santa Luzia do Itanhy 50 students
BAHIA: Boquira, Irecê,Gentio do Ouro, Ibitiara, Iraquara,Lençóis and Palmeiras 20,414 students
SÃO PAULO: São Paulo and Bragança Paulista2,471 students
Based on the consolidation of the three municipalities of the state of Ceará that were part of the Pilot Project, the expansion plan
sought to take the games to all municipalities that have been partners of IBS throughout its 20 years of operation, as well as to
create new partnerships - which is the case of the municipalities of Sobral (CE), Petrolina (CE) and Bragança Paulista (SP), among
others. In order for the expansion to achieve the intended results, face-to-face training with games was carried out in all municipa-
lities, in order to raise the teachers and coordinators’ awareness of essential concepts of financial education, as well as to highlight
the 320 crossovers between the games and the BNCC, allowing for a better use of the games and a more consistent learning.
Through a partnership with the Department of Education of the State of Ceará, the games Picnic and Good Deals
are already part of the pedagogical activities of high schools in Juazeiro do Norte, Aquiraz and Eusébio. In Cascavel,
Pindoretama and Beberibe, in addition to high schools, the games were also used in vocational schools. This partnership
with state schools reached more than 15,000 students in 2019.
170,653 students9,238 teachers
860 schools
Report - Financial Education Games - Expansion 2019 15
Gentio do Ouro Irecê
IraquaraLençóis
PalmeirasBoquiraIbitiara
BAHIA Gentio do Ouro Teachers Schools Students
142 43 1,591
Ibitiara Teachers Schools Students
89 15 1,848
Palmeiras Teachers Schools Students
79 12 1,424
IrecêTeachers Schools Students
493 23 7,746
Boquira Teachers Schools Students
259 27 2,625
Teachers Schools Students
Iraquara 197 19 3,583 Lençóis 116 13 1,597
Report - Financial Education Games - Expansion 2019 16
CEARá
Crateús
Tamboril
Fortaleza Eusébio Aquiraz Pindoretama Cascavel Beberibe
juazeiro do Norte
SobralTianguá
Ubajara
jijoca de jericoacoara jijoca de jericoacoara
Teachers Schools Students
117 9 3,478
Sobral Teachers Schools Students
1,034 44 21,479
juazeiro do Norte Teachers Schools Students
458 14 10,673
Cascavel Teachers Schools Students
338 50 12,277
Teachers Schools Students
Crateús 617 39 8,309Tamboril 307 27 3,391
Report - Financial Education Games - Expansion 2019 17
CEARá
Crateús
Tamboril
Fortaleza Eusébio Aquiraz Pindoretama Cascavel Beberibe
juazeiro do Norte
SobralTianguá
Ubajara
jijoca de jericoacoaraTianguá
Teachers Schools Students
479 51 11,531
Ubajara Teachers Schools Students
340 21 5,167
Maria do Carmo, teacher (Sobral-CE)
I THOUGHT THIS WAS AN EXCELLENT
MATERIAL TO WORK WITH THE STUDENTS
AND FACILITATE THEIR INTEREST IN
SEVERAL SUBjECTS, NOT ONLY IN MATH,
BUT HISTORY, GEOGRAPHY, SCIENCE. I WAS
DELIGHTED, I THOUGHT IT WAS EXTREMELY
RICH FOR THE CHILDREN TO LEARN!
Eusébio Teachers Schools Students
560 30 10,114 Fortaleza Teachers Schools Students
17 2 283
Aquiraz Teachers Schools Students
34 1 519
Report - Financial Education Games - Expansion 2019 18
MARANHÃO
Barreirinhas
Balsas
Carolina
CEARá
Crateús
Tamboril
Fortaleza Eusébio Aquiraz Pindoretama Cascavel Beberibe
juazeiro do Norte
SobralTianguá
Ubajara
jijoca de jericoacoaraPindoretama
Teachers Schools Students
166 13 3,845
Beberibe Teachers Schools Students
332 36 8,929
Teachers Schools Students
Balsas 938 45 13,468Carolina 237 11 2,726
Barreirinhas Teachers Schools Students
927 151 14,837
Report - Financial Education Games - Expansion 2019 19
PARá
PARAÍBA
PERNAMBUCO
PIAUÍ
PrimaveraQuatipuruTracuateua
Teachers Schools Students
Primavera 97 11 2,290Quatipuru 91 13 2,032Tracuateua 287 58 6,352
Teachers Schools Students
Cabaceiras 44 5 767Esperança 33 1 496
Cabaceiras
Petrolina
Esperança
Petrolina Teachers Schools Students
26 1 803
São Raimundo Nonato Teachers Schools Students
290 18 3,952
São RaimundoNonato
Report - Financial Education Games - Expansion 2019 20
SÃO PAULO
SERGIPE
Bragança Paulista
HURRA Association (São Paulo, SP)São Paulo, SP
ASA (São Paulo, SP)
Teachers Schools Students
Bragança Paulista 60 23 1,488São Paulo 23 29 983
Sta. Luzia do Itanhy Teachers Schools Students
11 5 50
Bragança Paulista
Santa Luzia do Itanhy
São Paulo
Report - Financial Education Games - Expansion 2019 21
2.7 LAUNCH OF THE EXPANSION: SOBRAL
Sobral Convention Center, in the State of Ceará, hosted in
April 2019 the opening of the national expansion stage
of the Financial Education Games Project. More than 600
educators attended the event to get to know closely the
innovative proposal of working with financial education in
a creative and multidisciplinary way, through educational
games Picnic and Good Deals.
The event featured an open dialogue on the ideas that led
to the format and development of the games, as well as
reports on the experiences and practices achieved in the
schools that started the project, which today have great
impact on the entire school community.
The technician from the Department of Education of
Cascavel (CE), the Secretary of Education of Sobral (CE), the
team of Instituto Brasil Solidário and the person in charge
of the Environment, Social and Governance area of Bank of
America in Latin America participated in this dialogue.
Sobral was chosen as headquarters for its importance
in the expansion project: in the municipality and in the
region of Serra da Ibiapaba, including the municipalities of
Tianguá and Ubajara, more than 2,300 games were distri-
buted, serving elementary school students from all public
schools in the region.
Herbert Lima, Secretary of Education of Sobral-CE (photo below)
FINANCIAL EDUCATION IS ALREADY
CONSIDERED AN ESSENTIAL CONTENT
OF THE SCHOOL CURRICULUM, BUT THAT
POSES A GREAT CHALLENGE FOR TEACHERS.
ACCORDING TO THE GAMES’ PROPOSAL,
THE WAY IN WHICH A CHILD INTERACTS
WITH A MATERIAL IN THIS FORMAT IS VERY
DIFFERENT FROM AN EXHIBITIVE CLASS,
THE RESOURCES HAVE A VERY LARGE
POTENTIAL.
Report - Financial Education Games - Expansion 2019 22
Cascavel (CE) and its educators reported the actions in
their municipality, such as the holding of a Regional
Championship with prizes for the best results with
the games.
During the event, elementary school students, teachers,
pedagogical coordinators and technicians from the
Department of Education also participated in practical
training with the games Picnic and Good Deals.
Seeking the autonomy of the multipliers of activities and
all the support for the implementation of the project in
schools, the educators received a support material, with
guidance on the pedagogical proposal and suggestions of
didactic sequence to be developed in the classroom.
Francisco Solon, student (Sobral-CE)
I THOUGHT IT WAS SO COOL THAT THE
GAMES ALREADY BRING THIS NOTION
OF SAVING, NOT jUST MONEY, BUT THEY
ADDRESS MATTERS SUCH AS SAVING
WATER, ENERGY, SO THEY GIVE US A
BASIS ON FINANCIAL LIFE FROM AN
EARLY AGE. IT IS SO MUCH FUN.
Conversation round with managers from the first, second and third sectors
Team of Managers from Cascavel, CE
Report - Financial Education Games - Expansion 2019 23
Taking the first steps in the expansion to other states, the event in Sobral was attended by representatives of municipa-
lities in the states of Bahia and Paraíba, in addition to two other municipalities in the state of Ceará.
The teams of teachers and Departments of Education of Ibitiara, Gentio do Ouro, Iraquara and Irecê (BA); Cabaceiras (PB);
and Crateús and Tamboril (CE) received specialized training, as well as all the guidelines for starting the activities with the
financial education games. (photo below)
Official delivery of the games to the municipality of Sobral-CE
The event in Sobral initiated the expansion in several municipalities in the Northeast Region
2.8 OTHER STATES AND MUNICIPALITIES
Report - Financial Education Games - Expansion 2019 24
3. INTERNATIONAL EXPANSION
MEXICO: Mexico City
COLOMBIA: Bogota
PERU: Lima
CHILE: Santiago
3.1 VISITING SCHOOLS IN CHILE
The project has crossed borders and Spanish
versions of the games Picnic and Good Deals were
created to serve schools in Santiago, Chile. In its
first year, the project managed to reach more
than 5,000 students from public elementary
schools, with a proposal of expansion in the
coming years.
The game Picnic was customized according to the
local culture and specifications - such as typical
fruits of the region - and the game Good Deals
changed in terms of market and economy.
The Spanish version opened up a range of
opportunities to expand the project in other
countries in Latin America. In addition to Chile,
visited in 2019, the project has been tracing new
possibilities with the proposal to involve 3 other
countries in 2020: Peru, Colombia and Mexico (see
map on the right).
In August 2019, there was an intense schedule of visits to schools that have already implemented educational games,
seeking to follow up on the work carried out by educators in the region and expand the dialogue on the experiences and
good practices promoted by the project, already aligning the opportunities for adaptation to other Latin American regions.
Report - Financial Education Games - Expansion 2019 25
In order to obtain the same positive performance
achieved in Brazil, the entire pedagogical work and the
main results of the training provided to the Brazilian
educators who received the project material were
presented, directing the many possibilities that could
be replicated.
Luis Salvatore, director of IBS
THE DIALOGUE WITH THE EDUCATORS WAS
VERY ENRICHING FOR THE PROjECT, WE
VISITED THE SCHOOLS NUEVA ZELANDIA,
LUIS GALDAME, CORNELIA OLIVARES AND
COLEGIO jUAN PABLO II, IN SANTIAGO,
CHILE, AND WE SAW A WORK THAT WAS
VERY SIMILAR TO THE ACTIONS WE PROMOTE
IN BRAZIL, WHICH ALLOWS US TO BELIEVE
THAT WE CAN GO EVEN FURTHER, WITH
MANY POSSIBILITIES OF EXPANDING SUCH
ACTIONS TO OTHER LATIN AMERICAN
COUNTRIES.
Report - Financial Education Games - Expansion 2019 26
4. FEATURED INITIATIVES
Some educators who participated in the actions related to the Financial Education Games Project prepared new practical
and interactive initiatives, inspired by the transformation of students – who already show greater motivation towards
saving and investing. Several creative solutions were presented to expand students’ learning possibilities, whether in
mathematics, or in other subjects such as Science, Geography, History and Portuguese.
Among the main initiatives, there are many original ideas: fictitious coins being used in the school itself, a quiz on the
theme studied in classroom and even new cards made by students for teaching multiplication tables.
Educators in Tianguá (CE) promote the Financial
Education Fair and use fictitious coins created in the
classroom
Students and educators at School FA Antônia Suzete de
Olivindo Silva, in the community of Valparaíso, in Tianguá
(CE), created fictitious coins (used only at school) seeking
to apply the proposal of the Financial Education Games
Project in a practical and interactive way.
The coins, which are distributed in all subjects, are given to
students who have a frequent attendance and participate
in classes and pedagogical activities. They add up the
coins and make up a reserve to be used at the Financial
Education Fair.
Held in October 2019, the first edition of the event featured
clothing, jewelry, shoes and even food stands, received as
donations from employees, teachers and the community.
“We are improving the proposal, thinking of a control
notebook for participants to organize themselves”, said one
of the organizers of the initiative.
High schools receive training in the Financial
Education games
Through a partnership with the Department of
Education of the State of Ceará, the games Picnic and
Good Deals are already part of the pedagogical activities
of high schools in Aquiraz, Beberibe, Cascavel, Eusébio,
Juazeiro do Norte and Pindoretama.
In Cascavel, Pindoretama and Beberibe, in addition to high
schools, the games were also used in vocational schools.
This partnership with the government of Ceará enabled
the participation of more than 15,000 students in 2019.
Trainings and workshops were held across the region
in November 2019 and maintain the proposal to serve
100% of the state schools in the three municipalities.
Pindoretama (CE)
Report - Financial Education Games - Expansion 2019 27
School in Sobral conducts a quiz with questions
related to the theme studied in the classroom
Educators at School José da Matta, in Sobral (CE),
implemented an additional challenge in math classes:
at the beginning of activities with the game Picnic,
students participate in a quiz related to the last theme
studied in the classroom. It was so successful that other
subjects that use Financial Education games have also
started to carry out the activity, such as Geography,
History and Science.
According to the school’s pedagogical coordinator,
given the various possibilities of themes and activities,
educators realized that the pedagogical actions carried
out with the material of the educational games resulted
in greater focus on the part of the students. Important
day-to-day issues came to be addressed, such as saving
water, energy and caring for the environment.
“We understood that we could expand the range of
knowledge even further, so we had the idea of making
a quiz, in which they can choose the questions and the
theme according to the content to be studied in class. The
game itself is already a great tool for working on different
content and skills, as it encourages children to think before
choosing or buying, causing the students to consider
different areas of life and realize how their choice can
positively or negatively affect their own life, as well as life
in society. They learn about writing, monetary system,
calculation of purchase and sales, logical reasoning in a
cognitive way”, explained the coordinator.
With different colors for each theme, the teachers prepared
different questions, which can also be renewed for each
subject. The model has become routine in school classes
and students are advancing in learning in a fun and
interactive way.
A school in Jericoacoara promotes a project that combines
the game Picnic with teaching multiplication tables
With a focus on improving the teaching of multiplication
tables, the playful side of the game Picnic was inserted
into the math project at School Francisco Raimundo Dutra,
in Jijoca de Jericoacoara (CE).
The project, which consists of applying multiplication
according to the cards drawn during the game Picnic,
managed to improve the performance of students from
6th to 9th grades - who were responsible for presenting
the project at the municipality’s science fair. According to
a math teacher at the school, the project has been used
with students for two months. The adaptation of the game
Picnic enabled a greater interaction between the class and
the activities and a very positive change in learning.
The proposal is simple and can make the game more dynamic.
Activity suggestion*:
1. Cards numbered 1 to 10 are added to the game.
2. The player rolls the die and draws a card without
reading it. Upon finding out the value of the card, the
player multiplies that value by the number on the die.
3. If the student gets the multiplication right, he/she
moves forward. The number of spaces will depend
on the result of the multiplication:
• From 1 to 10: one space;
• From 11 to 20: two spaces;
• From 21 to 30: three spaces, and so on.
*The activity is only a suggestion inspired by the school project
Report - Financial Education Games - Expansion 2019 28
Federal University of Ceará uses Financial Education
games in the Pedagogy course material
Instituto Brasil Solidário established a partnership with
the Federal University of Ceará - UFC, making all materials
from the Financial Education Games Project available to
teachers and students at the Faculty of Education - FACED.
40 games were donated to the university, which has
already started activities and has attracted the interest of
its students:
• A Pedagogy student who participated in the
establishment of the project promoted by Instituto
Brasil Solidário, included the use of the games as a
methodology for teaching financial education in his
undergraduate thesis.
• For students of subject Mathematics Education Topics,
there was great enthusiasm in obtaining a playful and
creative material for planning didactic sequences and
lesson plans. According to a teacher of the course, the
games open a range of opportunities for the develo-
pment of teaching actions which are more interactive and
dynamic, not only in mathematics, but in various subjects.
Every semester, UFC has around 400 students enrolled
in Mathematics, Portuguese Language, Science, Art,
Education and History, Geography, Ludo-pedagogy and
internships in elementary schools.
Financial education games will be available to educators
and students for the study and application of pedagogical
projects, not only in the classroom, but also in activities
with the community – such as the University playroom.
SENAI students participate in training in the
Financial Education Games in Irecê (BA)
The Financial Education Games Project was presented
to a group of students from the Industrial Improvement
vocational course, inside SENAI, in Irecê (BA).
The activity was carried out in June 2019 by the teacher
of the subject Logical Reasoning and Data Analysis, who
learned about the project from the training promoted by
Instituto Brasil Solidário together with the technical team of
the Department of Education of the Municipality of Irecê.
Involving a class of 20 students aged between 14 and 21, the
proposal presented the actions already carried out in schools
in various regions of Brazil, as well as the rules, tutorials and
concepts of financial education within the games.
According to an educator at the Department of Education
of Irecê, the experience opened up opportunities to go
beyond elementary education in schools, enabling the
exploration of different skills and knowledge within
vocational education, which is closer to the job market.
“At first, the purpose was to verify the behavior in relation
to the understanding of the rules, decision-making and
the interaction of the groups, but we started to encourage
some discussions about healthy eating, solidarity economy
and social responsibility, among others”, emphasizes the
educator.
The proposal was quickly accepted by the students, who
raised important questions about entrepreneurship,
investment and savings. “The game allows us to train our
mathematical, interpersonal skills, and makes us think
about and analyze our decisions based on the data and
consequences in question, and all of this is necessary and
useful in the course, as well as in life in general”, said a
student who participated in the activity.
Report - Financial Education Games - Expansion 2019 29
4.1 YOUNG MEDIATORS
One of the most successful practices during the
expansion project was the training of young students
from the Final Years of Elementary School and High
School to mediate games and teach children and adults to
play both games, Picnic and Good Deals.
The young monitors, due to their familiarity with the
group and the community, have a better perception of
the strengths and weaknesses in the development of
activities and thus are able to collaborate effectively with
the learning process.
São Paulo - SP
Jijoca de Jericoacoara-CE
Students from private schools, such as Colégio
Miguel de Cervantes in São Paulo, also participate as
student monitors.
Barreirinhas-MA
Report - Financial Education Games - Expansion 2019 30
5. RESEARCH
Seeking to listen to those involved in the
application of the games, a research was
developed to address the main issues of the
project and record the opinion of managers
and students with respect to the games. From
September 18 to October 5, 2019, Instituto
Brasil Solidário collected information from
approximately 1,400 students and 400
educators.
5.1 STUDENTS
Among the students, figures show an excellent acceptance of the game as part of the pedagogical strategy brought by the
project. The proposal of working on the playful and face-to-face aspect encourages interaction and joint participation, in
addition to improving knowledge of financial education and expanding (or improving) the dialogue with the family inside
their houses. The public under analysis was mostly composed of students aged between 9 and 12, precisely the range in
which there is a crossover between the two games and the students establish their preferences.
EDUCATORS
STUDENTS
BELIEVE THE GAMESHELPED THEM TO BETTER UNDERSTAND THE VALUE OF THINGS
REPORT THEY LIKED THE WAY THE GAME WAS INTRODUCED AND THAT THEY LIKE TO PLAY WITH IT
BELIEVE THAT THE GAMES TAUGHT THEM TO WORK BETTER AS A TEAM
FEEL MORE PREPARED TO USE MONEY
TALK MORE ABOUT SPENDING AND THE PRICE OF THINGSWITH THE FAMILY
,
Report - Financial Education Games - Expansion 2019 31
IT HELPS
A LOT IN
LEARNING.
Training with high school teachers from Juazeiro do Norte, CE
“AN ENRICHING EXPERIENCE FOR PEDAGOGICAL PRACTICE, PERSONAL LIFE AND FORMATION OF CITIZENS.”
Report - Financial Education Games - Expansion 2019 32
Among teachers, coordinators and school managers, the
general figures show broad acceptance of the games and
a good understanding of the pedagogical possibilities
provided by the project.
The trainings provided by Instituto Brasil Solidário are
based on several paths, where most educators have
found good results with students. We have been noticing
greater awareness of Financial Education, both among
students and educators themselves.
We still need to focus on the modest rates of use of
online tools (website and blog) to collect information and
materials from BNCC.
5.2 TEACHERS AND SCHOOL MANAGERS
NOTICED POSITIVE CHANGES IN STUDENTS’ BEHAVIOR
BELIEVE IT IS IMPORTANT TO RECEIVE TRAINING ON THE LEARNING AND IMPLEMENTATION PROCESS
BECAME MORE INTERESTED IN FINANCIAL EDUCATION
STARTED TO THINK MORE ON THEIR PERSONAL FINANCE
WOULD REFER THE GAME TO FELLOW EDUCATORS
Report - Financial Education Games - Expansion 2019 33
6. FINAL CONSIDERATIONS
One of the determining factors for the success of the
expansion was the engagement and involvement of
the Municipal Departments of Education, which worked
effectively in the mobilization of their education networks.
What we had already observed in the municipalities of
the Pilot Project was confirmed on a much broader scale,
without reducing the quality of the actions. The dedication
of teachers and students has kept up with all efforts so far.
The dissemination of Financial Education concepts and
practices, the alignments with the National Common
Curricular Base (BNCC), the constant debates on conscious
consumption, rational use of resources and entrepreneurship
have been powerful tools for transformation, opening new
paths and changing paradigms. The multiple pedagogical
contributions of the games have offered a cross-cutting and
dynamic financial education, full of new possibilities.
After the training, the mobilizations continue in WhatsApp groups, publicizing the application of the games, in addition to good practices and events on Financial Education.
The evaluation and monitoring of the project have
demonstrated the progress of the expansion with solid
data about the participation of each municipality.
Thus, we can state that not only did the first stage of
the expansion reach its objectives: the games project is
today one of the most successful experiences in Financial
Education in Brazil.
Report - Financial Education Games - Expansion 2019 34
BOARD OF DIRECTORS(Instituto Brasil Solidário)
ChairmanLuis Eduardo Cardoso de Almeida Salvatore
Board of Directors
Aline Procópio Mesquita
Danielle Haydée Andrade Peres de Oliveira Salvatore
Diogo Salles Amaral
Thiago Cardoso de Almeida Bernardes
Wolber Sontak Campos
7. TEAM
WORK TEAM
General coordination of the expansion project: Luis Eduardo Salvatore and Danielle Haydée
Training, evaluation and monitoring in the municipalities: Aline Mesquita, Diogo Salles, Gabriela Martins, Jone Paraschin Jr., Regea Coelho, Thiago Bernardes, Vicente Melo and Zenaide Campos
Press Office: Gabriela Martins
Graphic Design and Formatting:Diogo Salles Amaral and Jone Paraschin Jr.
Video Production: Enquadro Filmes
“Beyond School Walls” mini documentaries:João Victor Macul
Graphic design of promotional works: Diogo Salles Amaral
External Evaluation: Plano CDE
IBS would like to thank all those who participated in the initiatives that enabled the materials related to the expansion project, the departments of education and respective municipal
governments for mobilization and support.
Report - Financial Education Games - Expansion 2019 35
Report - Financial Education Games - Expansion 2019 36
THE GAMES PICNIC AND GOOD DEALS ARE PLAYFUL
TEACHING RESOURCES THAT ALLOW THE EDUCATOR
TO ADDRESS FINANCIAL EDUCATION IN A DYNAMIC
AND PRACTICAL WAY AND PARTICIPANTS TO MAKE
DECISIONS SIMILAR TO THOSE EXISTING IN REAL LIFE,
WITHOUT THE NEED TO SUFFER THE REAL IMPACTS OF
SUCH CHOICES.
www.brasilsolidario.org.br
www.letslearnwithgames.com
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